CRED

CRED is an Indian consumer fintech that started with premium credit-card bill payments and rewards and has expanded into peer-to-peer payments (Scan & Pay, Tap to Pay, RuPay credit card on UPI), short-term credit (CRED Cash, CRED Mint), wealth (CRED Money), e-commerce (CRED Store), and travel. CRED's surface area is overwhelmingly consumer-app and the company does not publish a public, self-service developer portal. Its engineering organisation contributes to the broader ecosystem via the engineering.cred.club tech blog and open-source repositories under the CRED-CLUB GitHub org. B2B integrations (merchant acceptance, issuer partnerships, etc.) are negotiated directly with the partnerships team.

CRED is profiled on the APIs.io network. Tagged areas include Consumer Fintech, Credit Cards, Bill Payments, Rewards, and UPI.

CRED’s developer surface includes GitHub presence, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

6.4/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0

0 APIs

Consumer FintechCredit Cards Bill Payments Rewards UPI Lending India

Kin Score

Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0

Composite quality — 6.4/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 1.3 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 3.6 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/cred: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
India Stack (Account Aggregator, ONDC, UPI, DigiLocker, Aadhaar)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

RESO UPI

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cred Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Cred Vulnerability Disclosure

no policy recorded

SECURITY

Cred Trust Center

ISO 27001, PCI DSS

SECURITY

Resources

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 3

Authentication, authorization, and security posture

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Company 6

The organization behind the API

Website

Website

Engineering Blog

Engineering Blog

LinkedIn

Careers

Careers

Partnerships

Partnerships

Blog

Blog

Source (apis.yml)

aid: cred
name: CRED
description: CRED is an Indian consumer fintech that started with premium credit-card bill payments and rewards and has expanded
  into peer-to-peer payments (Scan & Pay, Tap to Pay, RuPay credit card on UPI), short-term credit (CRED Cash, CRED Mint),
  wealth (CRED Money), e-commerce (CRED Store), and travel. CRED's surface area is overwhelmingly consumer-app and the company
  does not publish a public, self-service developer portal. Its engineering organisation contributes to the broader ecosystem
  via the engineering.cred.club tech blog and open-source repositories under the CRED-CLUB GitHub org. B2B integrations (merchant
  acceptance, issuer partnerships, etc.) are negotiated directly with the partnerships team.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cred.png
access: Partner-Only
position: Consuming
created: '2026-05-23'
modified: '2026-05-23'
tags:
- Consumer Fintech
- Credit Cards
- Bill Payments
- Rewards
- UPI
- Lending
- India
tags_raw:
- Consumer Fintech
- Credit Cards
- Bill Payment
- Rewards
- UPI
- Lending
- India
url: https://raw.githubusercontent.com/api-evangelist/cred/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis: []
common:
- type: TrustCenter
  url: security/cred-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/cred-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/cred-domain-security.yml
- type: Website
  url: https://cred.club/
- type: Engineering Blog
  url: https://engineering.cred.club/
- type: GitHub
  url: https://github.com/CRED-CLUB
- type: LinkedIn
  url: https://www.linkedin.com/company/cred-club
- type: Careers
  url: https://careers.cred.club/
- type: Partnerships
  url: https://cred.club/partner-with-us
- url: https://engineering.cred.club/feed
  type: Blog
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com

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